Group Captive Solutions
Strength in numbers
Group captive arrangements that bring self-funding benefits to smaller employers through pooled risk
Why do group captives matter?
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Self-funding traditionally required scale—enough employees to spread risk. Group captives change this equation by pooling multiple employers together, creating the scale needed for self-funding while maintaining individual employer control.
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See where your benefit plan is leaking
Find out what gaps exist — and what you can do without changing your plan.
We'll show you where money is leaking, risks are growing, and what you can fix within your current structure. No pressure to change brokers, carriers, or benefit design. Just clarity.
- Gap analysis based on your actual plan structure
- Clear findings you can share with your broker
- Recommendations that layer on — no disruption required
Risk Pooling Benefits
Multiple employers pooling risk creates stability that individual smaller employers can't achieve alone.
Self-Funding Access
Access to self-funding benefits—cost transparency, design flexibility, and savings opportunity—without requiring large size.
Collective Purchasing
Group purchasing power for stop-loss, administration, and other services that improves pricing.
Shared Best Practices
Learning from other employers in the captive about what works for cost management and employee health.
What Are Group Captive Solutions?
Group Captive Solutions enable smaller employers to access self-funding benefits by pooling together with other employers to create larger, more stable risk pools.
Traditionally, self-funding required 100+ employees for statistical stability. Below that size, claims variability was too high. Group captives solve this by combining multiple employers into a single pool.
Participants maintain individual plan control while sharing risk collectively. The result: self-funding benefits for employers who couldn't achieve them alone.
Why Are Group Captives Attractive for Smaller Employers?
Most employers renew their health plans year after year without questioning the underlying assumptions. Brokers present options, carriers set rates, and leadership approves budgets based on incomplete information.
The result? Companies overpay for benefits employees don't use while missing coverage gaps that create real risk. They accept premium increases as inevitable rather than addressable. They lack visibility into where their money actually goes.
A Healthcare Risk Assessment changes that. It gives you the data and insight to make informed decisions, negotiate from a position of strength, and take control of one of your largest operating expenses.
How It Works
Group captives pool multiple employers for collective benefits.
Qualification Assessment
Evaluating whether your organization qualifies and would benefit from captive participation.
Captive Matching
Identifying appropriate captive arrangements—industry-specific, regional, or general pools that fit your needs.
Enrollment Support
Supporting enrollment process: applications, underwriting, and transition planning.
Ongoing Participation
Supporting ongoing captive participation: governance involvement, performance monitoring, and optimization.
When Are Group Captives Appropriate?
Captives suit employers who:
• Want self-funding benefits but lack scale
• Have 25-200 employees typically
• Are willing to commit for multiple years
• Have reasonable claims history
• Value cost transparency and control
• Are open to collective arrangements
Where Do Group Captives Operate?
Captives are available across the U.S.:
• National captives serving employers in most states
• Regional captives focused on specific areas
• Industry-specific captives for certain sectors
• State availability varies—some restrictions apply
Who Should Consider Group Captives?
Employers meeting typical criteria:
• 25-200 employee range typically
• Stable workforce and operations
• Reasonable claims history
• Commitment to multi-year participation
• Desire for self-funding benefits
See What Our Customers Are Saying
"What could have been data driven, was soon a conversation. Over 3 years with the best coaches, listeners, advisors you could ask for. If Monique didn't have an answer readily, she would note it, research it, and then update you on the answer. Always a positive meeting. Highly recommend!"
— Sue D.
“Our Medical Insurance Premiums were Out of Control! Thanks to Weltrio and their amazing team of healthcare experts, Weltrio is my single most-profitable cost center!”
— Cayuse CEO
Everything You Need to Know
At Weltrio, we are a medically trained team that works with HR and benefits partners at companies of all sizes to improve healthcare quality, reduce risk exposure, and optimize costs. We work within your existing plan structure—providing employers with clarity, trust, and transparency at every step. Whether you're upgrading your benefits plan or building from scratch, we've got you covered.
Is this the same as telemedicine?
No. Clinical support provides guidance and triage, not diagnosis or treatment. We help employees decide when and where to seek care.How many nurses will be assigned to our company?
Assignment depends on your company size and typical utilization. Smaller companies may share a primary nurse with backup coverage. Larger organizations get dedicated teams. Either way, employees experience consistent relationships with clinical professionals who know them.Who answers calls in the middle of the night?
Board-certified nurses from your Weltrio clinical team. We staff night shifts with experienced nurses who have full access to your company's benefits information and employee interaction history. It's not an outsourced answering service.What protocols do nurses use for triage?
Our nurses use evidence-based clinical decision support protocols developed from emergency medicine and primary care best practices. These protocols are regularly updated based on current medical guidelines and are customized for telephone/virtual assessment settings.How much does an unnecessary ER visit actually cost?
Average ER visits cost $2,200 or more—even for minor issues. Add lab work, imaging, or specialist consultation and costs climb quickly. The same conditions treated at urgent care typically cost $150-300, and telehealth visits run $50-75.
